The catalogue › United States › Southwest › Texas
The state note · prepared 7 September 2026

Texas

349 banks and 380 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

349 banks filing · read from the 30 June 2026 Call Report
349
banks filing
$804B in assets
+4.5%
Loans, year over year
median; 101 above 10%, 110 shrinking
29.7%
CRE / loans
median
72.8%
Loans / deposits
median
0.38%
NPA / loans
median
10.9%
Equity / assets
median

Texas's 349 banks hold $804B in assets at 30 June 2026. Charles Schwab Bank SSB is the largest at $251B, and the five largest hold 51% of the total; 91 institutions are above $1B, holding $713B.

Loans grew a median +4.5% in the year to 30 June 2026: 101 institutions grew faster than 10% and 110 shrank. The median bank lends 73% of its deposits and holds commercial real estate at 29.7% of loans. Nonperforming loans sit at a median 0.38% of the book, return on assets at 1.42%, and equity at 10.9% of assets.

61 of the 349 are in the catalogue, each read from its own filing beside the banks its size in the state: Charles Schwab Bank SSB, Frost Bank, Prosperity Bank, Texas Capital Bank, Charles Schwab Premier Bank SS, Sunflower Bank National Association, First Financial Bank, Nexbank, Plainscapital Bank, Charles Schwab Trust Bank, Stellar Bank, Amarillo National Bank, International Bank of Com, Woodforest National Bank, Southside Bank, TBK Bank SSB, Third Coast Bank, American National Bank of Texas, Broadway National Bank, City Bank, Vantage Bank Texas, First National Bank Texas, Verabank National Association, International Bank of Com, Texas Exchange Bank, Texas Bank & Trust Co., Inwood National Bank, Cornerstone Capital Bank SSB, Austin Bank Texas N.A., Lone Star National Bank, Susser Bank, Tib National Association, Texas Regional Bank, American First National Bank, West Texas National Bank, Jefferson Bank, American Momentum Bank, Pinnacle Bank, Wells Fargo Bank S Central N.A., State Bank of Texas, Extraco Banks National Association, Horizon Bank SSB, Community National Bank, American National Bank & Trust, Texasbank, First United Bank, Texas First Bank, Golden Bank National Association, Ciera Bank, Hometown Bank National Association, Tolleson Private Bank, Round Top State Bank, Transpecos Banks SSB, First National Bank & Trust Co. of Weatherford, Texas Bank, Western Bank, First National Bank of Granbury, Texas Heritage National Bank, Newfirst National Bank, Titan Bank N A, First State Bank.

Who holds the state's assetseach institution's share of the $804B the state's 349 hold; the largest first, amber in the catalogue
Charles Schwab Bank SSB: 31.2%CS31%Frost Bank: 6.7%FBProsperity Bank: 5.5%PBTexas Capital Bank: 4.2%TCCharles Schwab Premier Bank SS: 3.3%CSSunflower Bank National Association: 1.9%First Financial Bank: 1.9%Nexbank: 1.8%Plainscapital Bank: 1.6%Charles Schwab Trust Bank: 1.3%339 others 41%CSCharles Schwab Bank S…31.2%FBFrost Bank6.7%PBProsperity Bank5.5%TCTexas Capital Bank4.2%CSCharles Schwab Premie…3.3%SBSunflower Bank Nation…1.9%FFFirst Financial Bank1.9%NNexbank1.8%PBPlainscapital Bank1.6%CSCharles Schwab Trust …1.3%

Charles Schwab Bank SSB holds 31.2% of the state's bank assets; the five largest hold 51%, and 91 of the 349 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestCharles Schwab Bank SSB: 31% of the totalThe five largest51% of the totalThe ten largest59% of the totalGINI0.80 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 51% of the assets in 1% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end25.3%$98.6BNonfarm nonresidential, non-owner-occupied15.0%$58.5BCommercial & industrial15.0%$58.4BOther loans and leases14.3%$55.9BNonfarm nonresidential, owner-occupied10.4%$40.7BConstruction & land9.1%$35.6BMultifamily3.7%$14.5BFarmland2.1%$8.2BAgricultural production1.1%$4.4BConsumer, other1.1%$4.2BStates & municipalities1.1%$4.2BHome equity lines0.9%$3.4BAuto0.9%$3.3BCredit card0.0%$138M

1-4 family residential, closed-end is the largest category at 25.3% of the state's $390B in loans, then Nonfarm nonresidential, non-owner-occupied at 15.0% and Commercial & industrial at 15.0%.

Loans, year over yearTexas banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 347 · amber, in the catalogue
state median +4.5% IB Integrity Bank SSB +180.7% MB Maverick Bank +106.0% SB Sunflower Bank National Associati… +77.5% B Bank19 +70.9% TF Texas Financial Bank +70.5% CC Cornerstone Capital Bank SSB +67.5% LC Liberty Capital Bank +60.2% PB Producer Bank of Texas +53.5% VB Victory Bank +47.8% CN City National Bank of Colorado Ci… +40.7% CS Charles Schwab Bank SSB +39.1% CS Citizens State Bank +38.5% CN Citizens National Bank of Crosbyt… +38.0% GN Granger National Bank +37.2% SB Spectra Bank +36.1% AB Avana Bank +35.9% U Ubank +34.8% FT First Texas National Bank +33.6% AB American Bank of Commerce +33.3% TC Third Coast Bank +33.3% FS First State Bank +32.0% OB Ozona Bank +29.5% SS Spur Security Bank +28.9% Po Primebank of Texas +28.2% TT Texas Traditions Bank +26.7%

Integrity Bank SSB grew fastest at +180.7%; 101 grew faster than 10% and 110 shrank, Charles Schwab Premier Bank SS the most at -100.0%. The median is +4.5%.

Commercial real estate, share of loansTexas banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 348 · amber, in the catalogue
state median 29.7% SB State Bank of Texas 98.8% Cs Citizens 1st Bank 70.3% MB Monet Bank 64.6% SB Schertz Bank & Trust 64.4% FI Falcon International Bank 64.3% OW One World Bank 64.2% IN Inwood National Bank 64.0% UT United Texas Bank N.A. 61.1% IB International Bank of Com 60.9% AS American State Bank 60.7% MN Moody National Bank 60.5% SS Security State Bank 60.3% SB Southside Bank 60.0% MN Mint National Bank 59.8% GO Global One Bank 58.6% AB Avana Bank 58.2% WB Weststar Bank 57.7% PB Pinnacle Bank 57.5% IB Integrity Bank SSB 57.4% FN First National Bank of Lake Jacks… 57.0% IB International Bank of Com 56.9% GB Golden Bank National Association 56.8% Bo Bank of South Texas 56.8% TB Texas Bank 56.4% CB Citizens Bank 56.4%

State Bank of Texas is the most CRE-weighted at 98.8% of loans; 93 of the 349 are above 40%, against a median of 29.7%.

Commercial real estate against capital, the 300% screenTexas banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 349 · amber, in the catalogue
state median 145% 300% screen U Ubank 489% CB Citizens Bank 485% SB State Bank of Texas 484% SB Spectra Bank 429% WB Wallis Bank 419% TB Texas Bank 389% AN American National Bank & Trust 388% OW One World Bank 380% TC Trinity Capital Bank of Texas 379% TC Texas Champion Bank 373% LC Liberty Capital Bank 372% AS American State Bank 369% FL First Lockhart Bank 365% AB American Bank of Commerce 365% CB Ciera Bank 356% PB Pinnacle Bank 352% CN Community National Bank & Trust o… 350% AB American Bank National Association 347% SB Schertz Bank & Trust 345% WB Weststar Bank 344% ND North Dallas Bank & Trust Co. 339% DB Dominion Bank 335% SC Sage Capital Bank 329% FN First National Bank of Sonora 327% GB Golden Bank National Association 327%

35 of the 349 banks sit above the 300% screen, Ubank the highest at 489% of capital; the median is 145%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenTexas banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 349 · amber, in the catalogue
state median 52% 100% screen TB Texas Bank 210% U Ubank 204% Bo Bank of South Texas 196% FS First State Bank of Texas 183% OW One World Bank 170% CB Citizens Bank 164% NF NBT Financial Bank 163% CS Citizens State Bank 156% CB Ciera Bank 150% WB Worthington Bank 149% AB American Bank of Commerce 147% SS Security State Bank & Trust 142% PS Peoples State Bank 137% TF Texas Financial Bank 136% SB Schertz Bank & Trust 135% CB Community Bank 134% PB Pinnacle Bank 133% FT First Texas National Bank 131% BN Brenham National Bank 129% PB Pavillion Bank 129% T Texasbank 127% CB Cowboy Bank of Texas 127% GB Guadalupe Bank 126% NB National Bank & Trust 125% TF Texas First Bank 125%

57 of the 349 banks sit above the 100% construction screen, Texas Bank the highest at 210%; the median is 52%.

Loans to depositsTexas banks, 30 June 2026 · listed highest first · the 25 highest of 349 · amber, in the catalogue
state median 73% BN Brazos National Bank 139% TR Texas Republic Bank N.A. 114% AC Austin Capital Bank SSB 111% CC Cornerstone Capital Bank SSB 110% IB International Bank of Com 109% T Texasbank 107% TC Texas Champion Bank 105% TB Texana Bank National Association 104% MN Mint National Bank 103% CN Citizens National Bank of Texas 102% WF Wells Fargo Bank S Central N.A. 102% GB Golden Bank National Association 101% TC Trinity Capital Bank of Texas 101% FN First National Bank of Hereford 101% CS Citizens State Bank 100% LS Lone Star Bank 100% SH Spring Hill State Bank 100% DC Dallas Capital Bank N.A. 100% TH Texas Heritage National Bank 99% AF American First National Bank 99% PB Pavillion Bank 98% FB Frontier Bank of Texas 98% SB State Bank of Texas 98% SN Southwestern National Bank 98% CB Capital Bank 97%

16 of the 349 lend more than they hold in deposits, Brazos National Bank the furthest at 139%; the median is 73%.

Nonperforming loans, share of loansTexas banks, 30 June 2026 · listed highest first · the 25 highest of 348 · amber, in the catalogue
state median 0.38% MB Monet Bank 25.76% IB International Bank of Com 9.17% TB Transpecos Banks SSB 8.15% TA Texas Advantage Community Bank N.… 7.09% FN First National Bank & Trust Co. o… 5.51% CS Commercial State Bank 5.44% WS Wellington State Bank 5.27% BN Brazos National Bank 5.07% FS First State Bank 4.44% PS Plains State Bank 4.41% GN Gilmer National Bank Gilmer Texas 3.70% CC Cornerstone Capital Bank SSB 3.62% AM American Momentum Bank 3.52% HF Henderson FSB 3.49% IB Interstate Bank 3.47% FC Falls City National Bank 3.22% CS Citizens State Bank 3.10% FN First National Bank 3.09% LO Lone Oak Bank National Association 3.08% NB National Bank of Andrews 3.05% AB Atascosa Bank 2.89% TB Trust Bank National Association 2.89% FS First State Bank of Texas 2.85% MN Mint National Bank 2.78% CB Charter Bank 2.78%

Monet Bank carries the most nonperforming loans at 25.76% of the book; 101 of the 349 are above 1%, and the median is 0.38%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%NPA / loansAllowance / loansCNCity National Bank of San Saba+3.91%FSFirst State Bank of Odem+2.76%BBBig Bend Banks N A+2.70%KNKress National Bank+2.54%FNFirst National Bank of Fort Stock…+2.51%PBProducer Bank of Texas+2.49%CBCitizens Bank+2.47%ANAnahuac National Bank+2.43%EBExtraco Banks National Association+2.35%SBSouthwest Bank+2.18%FNFirst National Bank of Ballinger+2.04%WNWaggoner National Bank of Vernon+2.01%ANAmerican National Bank of Montana…+1.95%FNFirst National Bank of Anson+1.91%FSFirst State Bank+1.90%FNFirst National Bank of Huntsville+1.85%PNPerryton National Bank+1.84%BSBank San Jacinto Cnty Coldspri+1.83%TCTexas Community Bank+1.79%FNFirst National Bank of Mertzon+1.77%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 78 of the 349 hold an allowance smaller than their nonperforming loans.

Return on assetsTexas banks, 30 June 2026 · listed highest first · the 25 highest of 349 · amber, in the catalogue
state median 1.42% TB Titan Bank N A 7.26% MB Monet Bank 4.24% SB State Bank of Texas 4.22% SS Sundown State Bank 4.13% LO Lone Oak Bank National Association 3.40% NN Newfirst National Bank 3.30% SS Security State Bank 2.92% CB Community Bank 2.89% BS Buckholts State Bank 2.88% CN Commercial National Bank of Brady 2.78% CB Cowboy Bank of Texas 2.78% FT First Texas National Bank 2.78% IB International Bank of Com 2.70% NB National Bank of Andrews 2.64% FN First National Bank of Stanton 2.62% CB Crossroads Bank 2.59% TS Texas State Bank 2.56% CS Citizens State Bank 2.53% FS First State Bank of Bedias 2.52% CN Citizens National Bank of Texas 2.49% FN First National Bank of Burleson 2.49% CS Crowell State Bank 2.46% FN First National Bank of Anson 2.46% GB Grandview Bank 2.43% WN Waggoner National Bank of Vernon 2.43%

Titan Bank N A earns the most at 7.26% and Houston Bank & Trust the least at -53.11%; 38 of the 349 earn under 0.50%, and the median is 1.42%.

The efficiency ratio, with the return beside itTexas banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 349 · amber, in the catalogue
state median 61.9% TB Titan Bank N A 11.8% ROA 7.26% WF Wells Fargo Bank S Central N.A. 14.5% ROA 1.67% CS Charles Schwab Premier Bank SS 14.9% ROA 1.47% CS Charles Schwab Bank SSB 17.6% ROA 1.30% MB Monet Bank 20.6% ROA 4.24% SB State Bank of Texas 21.4% ROA 4.22% CS Charles Schwab Trust Bank 25.4% ROA 2.01% FC Falls City National Bank 28.6% ROA 2.03% LN Lamesa National Bank 29.8% ROA 2.23% FN First National Bank of Stanton 30.8% ROA 2.62% SS Sundown State Bank 31.1% ROA 4.13% FN First National Bank of Mertzon 31.2% ROA 1.71% AB American Bank National Association 33.6% ROA 1.81% CB Commerce Bank 34.3% ROA 1.76% SN State National Bank of Big Spring 35.0% ROA 1.77% SS Security State Bank 35.1% ROA 2.92% BS Buckholts State Bank 36.1% ROA 2.88% MS Muenster State Bank 36.4% ROA 2.29% IB International Bank of Com 36.5% ROA 2.70% Cs Citizens 1st Bank 37.4% ROA 1.67% CN Citizens National Bank of Crosbyt… 38.1% ROA 2.15% AF American First National Bank 38.1% ROA 2.14% IN Inwood National Bank 38.2% ROA 1.59% GB Grandview Bank 38.3% ROA 2.43% IB International Bank of Com 38.5% ROA 1.67%

Titan Bank N A runs the leanest at 11.8% of revenue in cost; 45 of the 349 spend more than 80 cents of every revenue dollar, and the median is 61.9%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Charles Schwab Bank SSB$251B+39.1%0.0%30%0.04%1.30%7.2%
Frost Bank$54.0B+8.1%27.7%53%0.55%1.30%8.6%
Prosperity Bank$43.9B+12.8%31.1%76%0.48%1.35%18.5%
Texas Capital Bank$33.6B+4.3%16.1%85%0.50%1.03%10.1%
Charles Schwab Premier Bank SS$26.6B-100.0%0.0%0%0.00%1.47%7.9%
Sunflower Bank National Association$15.7B+77.5%35.3%87%1.63%0.22%12.3%
First Financial Bank$15.2B+3.2%24.2%63%0.77%1.74%11.8%
Nexbank$14.2B-2.2%15.8%85%1.47%1.06%8.4%
Plainscapital Bank$12.7B+6.9%34.9%87%1.03%1.14%10.7%
Charles Schwab Trust Bank$10.5Bno recordno record0%no record2.01%7.7%
Stellar Bank$10.4B+3.1%39.1%86%0.69%-0.61%15.2%
Amarillo National Bank$10.4B+3.8%7.9%79%1.54%1.74%10.8%
International Bank of Com$10.2B+10.3%60.9%109%2.21%2.70%20.3%
Woodforest National Bank$9.0B-7.2%35.4%72%1.93%2.06%8.8%
Southside Bank$8.8B+7.6%60.0%80%0.19%1.34%12.4%
Five years, 2021 to 2026the 345 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$255B$389B+53%
Deposits, in total$709B$688B-3%
NPA / loans, median0.30%0.39%+0.08 pts
Efficiency, median65.4%61.4%-4.0 pts
ROA, median1.12%1.43%+0.30 pts

Small-business lending

SBA 7(a) approvals into Texas since FY2008, across every lender type

$43.9B of 7(a) credit has been approved into Texas since FY2008 across 79,520 loans. Accommodation & food services is the largest category at 20.4%, Retail trade at 14.6%, Health care & social assistance at 14.0%; the three together are 49% of the money. The heaviest losses fall in Arts, entertainment & recreation, at 3.41% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 706 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
LO Live Oak Banking Company 5.8% $2.5B · 1,820 loans TH The Huntington National Bank 5.2% $2.3B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.0B · 7,244 loans PB PNC Bank, National Association 3.9% $1.7B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.5B · 7,339 loans WB Wallis Bank 3.2% $1.4B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans MC Metro City Bank 1.6% $714M · 482 loans SB Southstate Bank, National Associa… 1.6% $681M · 1,033 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services21.8%$8.9B · 11,010 loansRetail trade15.6%$6.4B · 10,688 loansHealth care & social assistance15.0%$6.1B · 9,452 loansOther services11.0%$4.5B · 8,712 loansProfessional & technical services6.9%$2.8B · 7,477 loansManufacturing6.8%$2.8B · 4,706 loansConstruction6.0%$2.4B · 7,348 loansWholesale trade5.2%$2.1B · 3,595 loansArts, entertainment & recreation3.4%$1.4B · 2,657 loansReal estate & leasing2.9%$1.2B · 1,729 loansAdministrative & waste services2.8%$1.2B · 3,584 loansTransportation & warehousing2.5%$1.0B · 3,389 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$8.9B11,01020.4%$228M2.55%
Retail trade$6.4B10,68814.6%$139M2.16%
Health care & social assistance$6.1B9,45214.0%$79M1.29%
Other services$4.5B8,71210.3%$80M1.78%
Professional & technical services$2.8B7,4776.4%$56M1.99%
Manufacturing$2.8B4,7066.4%$69M2.46%
Construction$2.4B7,3485.6%$80M3.26%
Wholesale trade$2.1B3,5954.9%$52M2.41%
Arts, entertainment & recreation$1.4B2,6573.2%$47M3.41%
Real estate & leasing$1.2B1,7292.8%$12M0.98%
Administrative & waste services$1.2B3,5842.6%$34M2.94%
Transportation & warehousing$1.0B3,3892.3%$32M3.20%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Harris$8.1B14,410314
Dallas$5.5B9,556314
Tarrant$3.8B6,797281
Collin$2.7B4,651261
Travis$2.5B5,022239
Bexar$2.1B4,716237
Denton$1.9B3,520224
Fort Bend$1.5B2,736180
Montgomery$1.2B2,108165
Williamson$1.2B2,220181

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Texas institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Texas

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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